I just received a summons to appear in court regarding a credit card debt of $7,000 from 2 years ago. I have not been working, and could not pay the minimum at the time, and after the late/finance fees started adding up, I gave up completely.
The question is, should I even go to court? What would I plead? I have no money, I rent an apartment, The only thing that I do have is a vintage car that I was given by a friend a few years ago (technically worth $2,000) and the insurance that I pay on it?
If they win (since I cannot afford a lawyer) can they take my car? what else can they come after? I don't have any money in my bank account.
Will they offer me a payment plan one last time before they try to reposess belongings? How does reposession work?
Can they attempt to take my boyfriend's things (we are not married, and our belongings are separate even though we live together)?
Please help, I cannot afford legal advise.
thanks

